BlastPoint's Credit Union Scorecard
GUCO
Charter #62985 · NC
GUCO has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.40% above tier average
- + Net Interest Margin 0.55% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -4.0% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,383
-4.0% YoY-0.6% QoQ
|
-1.3K |
2,676
+1.6% YoY
|
91,843
+3.2% YoY
|
33,913
+5.7% YoY
|
38% |
| Assets |
$10.0M
+0.3% YoY+1.9% QoQ
|
$-20.2M |
$30.2M
+1.3% YoY
|
$1.6B
+7.7% YoY
|
$578.3M
+9.0% YoY
|
32% |
| Loans |
$6.9M
+7.5% YoY+7.7% QoQ
|
$-8.4M |
$15.3M
-2.0% YoY
|
$1.1B
+5.7% YoY
|
$402.4M
+8.7% YoY
|
42% |
| Deposits |
$8.2M
-0.2% YoY+3.3% QoQ
|
$-17.6M |
$25.8M
+0.7% YoY
|
$1.4B
+7.2% YoY
|
$494.3M
+9.1% YoY
|
32% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.5%
+121.2% YoY+46.0% QoQ
|
+0.4% |
0.1%
-77.6% YoY
|
0.4%
+21.7% YoY
|
0.4%
-39.2% YoY
|
47% |
| NIM |
4.6%
+7.0% YoY-2.6% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
4.0%
+0.2% YoY
|
3.8%
+4.1% YoY
|
78% |
| Efficiency Ratio |
87.6%
-7.2% YoY-5.1% QoQ
|
-3.1% |
90.6%
+6.5% YoY
|
84.1%
+2.7% YoY
|
84.6%
+2.8% YoY
|
64% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
1.3%
-24.7% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
84.1%
+7.8% YoY+4.2% QoQ
|
+25.6% |
58.5%
-3.0% YoY
|
74.3%
+0.8% YoY
|
65.6%
-1.4% YoY
|
Top 13.8% in tier |
| AMR |
$10,896
+7.4% YoY+5.9% QoQ
|
$-4K |
$14,884
-1.7% YoY
|
$17,856
+2.9% YoY
|
$19,920
+1.6% YoY
|
33% |
| CD Concentration |
23.9%
-4.7% YoY-3.9% QoQ
|
-0.3% | 24.3% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)